Finding Optimized Income Strategies for Middle Market Clients – Manish Malhotra – Learn more


Finding Optimized Income Strategies for Middle Market Clients - Manish Malhotra

There are many alternative income strategies that can be used in isolation or in combination with total-return-based systematic withdrawal plan (SWP).

Retirees and pre-retirees are puzzled with a plethora of choices in structuring their retirement income. Seemingly trivial decisions can have a big impact on success of their retirement income plans.

To compare various strategies on an apples-to-apples basis, a common risk-reward framework for retirement income is needed.

Such a framework is proposed in this elearning session, where the impact of various income strategies is demonstrated for a middle market couple who have an extremely poor chance of making it safely through retirement if they use the approach their peer group typically adopts to retirement income planning. An alternate plan with seemingly trivial changes is presented, dramatically improving their retirement security and giving them the retirement income they desire with significantly higher safety, so they can have peace of mind and enjoy their golden years.

Manish Malhotra, President of Income Discovery, Manish provides a general outline of the effect of various income strategies appropriate for the middle market and explains an analysis framework for comparing retirement distribution strategies. A case study brings it all together to demonstrate the art of building an income plan that mixes a systematic withdrawal portfolio with a fixed source of cash flow so that the plan provides an acceptable level of confidence and reasonable protection in unfavorable markets.


In this one-hour session, you will learn:

Finding Optimized Income Strategies for Middle Market Clients - Manish Malhotra

Finding Optimized Income Strategies for Middle Market Clients – Manish Malhotra

  1. A retirement income analysis framework, including risk and reward metrics;
  2. A comparison of the performance of different strategies, with and without a reverse mortgage;
  3. Results for a middle market retiree using different strategies, including
    1. Working longer and saving more;
    2. Social Security benefit conversion to different claim age;
    3. Immediate and fixed deferred annuities;
    4. Reverse mortgage with lifetime payout.

Retirement Resource Center You Tube ChannelThe Retirement Resource Center YouTube channel features short clips of presentations by many of our speakers. Please visit Retirement Resource Center YouTube channel to view a short clip of this presentation.


Overall Rating: 4.3 / 5

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This on-demand webinar is a recording of a recent live webinar. Check our WEEKLY REBROADCAST SCHEDULE where there is no need to take the online quiz to receive CE. You may also take this on-demand course any time for 1 hr CFP®, CRC®, and other Continuing Education Credit when you pass the online quiz.


Your presenter is Manish Malhotra, MBA, Founder, President & CEO, Income Discovery, optimizing software for retirement income strategies – Expert on Retirement Income Planning Software.


Manish Malhotra, MBA - Expert on Retirement Income Planning Software

Manish Malhotra, MBA – Expert on Retirement Income Planning Software

In a landmark JFP article published he proposed a new risk-reward framework for analyzing retirement income strategies, which is used in concert with Income Discovery to find strategies that provide higher retirement income at less risk. Manish has worked at Citigroup, Bank of America and Nomura Securities. He holds MBA and Engineering degrees from top colleges in India.

Moderator: Betty Meredith, CFA, CFP®, CRC®, Int’l Retirement Resource Center


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CFP BOARD - CE Quality Partner - Retirement Resource CenterWe will report your CFP® and/or CRC® credit (no additional reporting fee) – please add your ID at checkout. You are responsible for reporting all other certifications for CE credit.

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